User adoption of digital currency: A systematic review and future agenda using TCCM approach

Abstract

Scholarly investigations into blockchain-based currencies are progressively acknowledging the transformative capacity of Central Bank Digital Currency (CBDC) in addressing the issues related to digital payments. However, this emerging field of study is presently dispersed and fragmented from the user's behavioral perspective. This paper extends the existing literature by establishing an in-depth conceptual boundary using a standard review protocol. It comprehensively analyses the 78 papers published till December 2023 to identify key research gaps. It identifies the primary contextual dimension, bibliometric information, and key clusters of concepts exhibited in the existing literature using inductive analysis techniques, Excel, R-Studio, and Vosviewer software. Furthermore, this paper also aims to suggest a future research agenda based on the TCCM approach, which will serve as a valuable resource for making informed decisions regarding CBDC development and adoption.